Dvara E-Registry launches micro LAP to deepen agri credit access
Agri-fintech start-up Dvara E-Registry has launched its micro loan against property (Micro LAP) product to deliver secured, asset-backed credit to small and marginal farmers and other participants across India’s agricultural value chain.
The Micro LAP product enables agri value chain participants to unlock the potential of their immovable assets to access credit for enterprise growth, diversification, and livelihood stability. This marks an important expansion beyond short-tenure farm credit into longer-term, secured lending—broadening the suite of financial services available to those traditionally underserved by formal credit channels, the company said in a statement.
The launch coincides with Dvara E-Registry crossing the ₹150 crore milestone in cumulative disbursements, having facilitated over 33,000 farm loans across 5 states, 50 districts, and more than 3,000 villages, in close partnership with over 250 farmer producer organisations (FPOs), the company said.
“The launch of Micro LAP is a natural extension of our credit offerings,” saidSyed Tarique Alam, Co-Founder & CEO, Dvara E-Registry. “We’re focused on designing financial solutions that are grounded, scalable, and inclusive—ensuring that agri value chain participants, especially small and marginal farmers, have access not only to credit, but to the right kind of credit—at the right time, on the right terms.”
At the core of Dvara E-Registry’s model is a platform approach that integrates both financial and value chain services—connecting smallholder farmers and agri entrepreneurs to markets, advisory, and formal financial institutions more profitably and efficiently, the company said.
Technologies like KhetScore, an AI-powered, satellite-based credit scoring engine, allow lenders to remotely assess farm-level characteristics such as crop health, land use, and irrigation patterns—enhancing decision-making in areas where conventional data is often scarce. Complementing this is Doordrishti, Dvara E-Registry’s integrated digital platform that links FPOs, farmers, agri-input providers, buyers, and lenders—building a more transparent, connected, and efficient agri-value chain ecosystem
Published on July 7, 2025
